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Erie Indemnity (ERIE) Stock Analysis

This is a peer-relative look at Erie Indemnity (ERIE): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Erie Indemnity (ERIE)
Profile ItemERIE
NameErie Indemnity Company Class A Common Stock
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupInsurance
GICS IndustryInsurance
GICS Sub-IndustryProperty & Casualty Insurance
Market Capitalization14.28 billion USD
CurrencyUSD
ExchangeNasdaq
Listing DateOctober 2, 1995
Security TypeCommon Stock

Price Performance

Cumulative Growth

ERIE
GSPC
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Erie Indemnity (ERIE) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Erie Indemnity (ERIE) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Erie Indemnity (ERIE) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Erie Indemnity (ERIE) metric values compared with Insurance industry-group medians
MetricCurrent stock: ERIEIndustry group median
Total Return (1Y)-3.52%13.21%
Total Return (3Y, Annualized)0.54%16.41%
Total Return (5Y, Annualized)5.47%10.37%

Risk Profile

Drawdown History

ERIE
GSPC
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Erie Indemnity (ERIE) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Erie Indemnity (ERIE) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Erie Indemnity (ERIE) metric values compared with Insurance industry-group medians
MetricCurrent stock: ERIEIndustry group median
Volatility (1Y, Annualized)38.16%28.84%
Beta (5Y)0.220.50
Max Drawdown (5Y)-60.87%-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. ERIE is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Erie Indemnity (ERIE) metric values compared with Insurance industry-group medians
MetricCurrent stock: ERIEIndustry group median
Sharpe Ratio (1Y)-0.200.28
Sortino Ratio (1Y)-0.290.41

Profitability

ROE (TTM)

Erie Indemnity (ERIE) posts ROE of 23.70%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

ERIE

Insurance industry group

23.70%

Group distribution
Max
41.68%
ERIE
23.70%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%
Largest peers
PGR
33.24%
TRV
27.50%
MRSH
27.24%
ERIE
23.70%
CB
14.25%
MFC
12.24%
AJG
7.21%
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Where Erie Indemnity (ERIE) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Erie Indemnity (ERIE) keeps 13.98% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

ERIE

Insurance industry group

13.98%

Group distribution
Max
29.92%
Q3
17.03%
ERIE
13.98%
Median
10.97%
Q1
6.21%
Min
-4.68%
Largest peers
MFC
18.97%
CB
18.13%
TRV
17.03%
MRSH
14.20%
ERIE
13.98%
PGR
12.67%
AJG
10.78%
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Where Erie Indemnity (ERIE) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Erie Indemnity (ERIE) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Erie Indemnity (ERIE) metric values compared with Insurance industry-group medians
MetricCurrent stock: ERIEIndustry group median
ROE (TTM)23.70%14.81%
ROA (TTM)13.48%2.72%
Net Margin (TTM)13.98%10.97%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Erie Indemnity (ERIE) grew revenue 7.41%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Erie Indemnity (ERIE): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Erie Indemnity (ERIE) grew earnings per share -6.88%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Erie Indemnity (ERIE): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Erie Indemnity (ERIE) metric values compared with Insurance industry-group medians
MetricCurrent stock: ERIEIndustry group median
Revenue Growth (YoY)7.41%7.89%
Revenue Growth (3Y CAGR)13.32%11.40%
EPS Growth (YoY)-6.88%21.77%
EPS Growth (3Y CAGR)23.25%18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Erie Indemnity (ERIE) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Erie Indemnity (ERIE) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Erie Indemnity (ERIE) metric values compared with Insurance industry-group medians
MetricCurrent stock: ERIEIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Erie Indemnity (ERIE) has dividend yield of 2.05%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

ERIE

Insurance industry group

2.05%

Group distribution
Max
5.12%
Q3
2.15%
ERIE
2.05%
Median
0.98%
Q1
0.00%
Min
0.00%
Largest peers
MFC
4.32%
ERIE
2.05%
MRSH
1.80%
TRV
1.17%
CB
1.07%
AJG
0.95%
PGR
0.17%
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Where Erie Indemnity (ERIE) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Erie Indemnity (ERIE) has payout ratio of 53.13%, above the industry’s usual payout band. A larger share of earnings is going to dividends, so the cushion narrows if profit weakens.

ERIE

Insurance industry group

53.13%

Group distribution
Max
76.67%
ERIE
53.13%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%
Largest peers
PGR
70.03%
MFC
54.30%
ERIE
53.13%
MRSH
44.14%
AJG
41.98%
CB
13.95%
TRV
12.36%
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Where Erie Indemnity (ERIE) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Erie Indemnity (ERIE) metric values compared with Insurance industry-group medians
MetricCurrent stock: ERIEIndustry group median
Dividend Yield (TTM)2.05%0.98%
Dividend Payout Ratio (TTM)53.13%14.74%

Valuation

P/E Ratio (TTM)

Erie Indemnity (ERIE) trades at P/E ratio of 24.80, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

ERIE

Insurance industry group

24.80

Group distribution
Max
28.37
ERIE
24.80
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32
Largest peers
AJG
42.99
ERIE
24.80
MRSH
24.50
MFC
17.23
CB
12.79
PGR
11.47
TRV
10.39
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Where Erie Indemnity (ERIE) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Erie Indemnity (ERIE) trades at 3.46 on P/S ratio, in the higher sales-valuation quartile. Investors are paying up for each dollar of revenue, so stronger margins, growth, or revenue quality need to carry that price.

ERIE

Insurance industry group

3.46

Group distribution
Max
4.03
ERIE
3.46
Q3
2.25
Median
1.23
Q1
0.85
Min
0.07
Largest peers
AJG
4.58
ERIE
3.46
MRSH
3.42
CB
2.25
MFC
2.11
TRV
1.66
PGR
1.44
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Where Erie Indemnity (ERIE) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Erie Indemnity (ERIE) trades at 5.59 on P/B ratio, above the industry benchmark range. Investors are putting an unusually rich price on each dollar of book equity relative to peers.

ERIE

Insurance industry group

5.59

Group distribution
ERIE
5.59
Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30
Largest peers
MRSH
6.64
ERIE
5.59
PGR
3.82
AJG
3.00
TRV
2.79
MFC
2.13
CB
1.91
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Where Erie Indemnity (ERIE) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Erie Indemnity (ERIE) metric values compared with Insurance industry-group medians
MetricCurrent stock: ERIEIndustry group median
P/E Ratio (TTM)24.8012.23
P/S Ratio (TTM)3.461.23
P/B Ratio (MRQ)5.591.76
Free Cash Flow Yield (TTM)----